A Study on Public and Private Sector Banks on Digital Usage

The banking industry in India has witnessed a significant transformation with the rapid adoption of digital technologies. This study aims to analyze and compare the digital usage trends in public and private sector banks, focusing on the level of digital adoption, customer preferences, and the efficiency of digital services offered. The research explores various digital banking channels such as mobile banking, internet banking, ATMs, and UPI services, and examines how both sectors are leveraging these platforms to enhance customer satisfaction and operational efficiency. Primary data was collected through surveys and interviews, while secondary data was sourced from bank reports and digital banking statistics. The findings indicate that private sector banks are comparatively more agile in implementing digital solutions and promoting digital literacy among customers. In contrast, public sector banks, though improving, still face challenges related to legacy systems and slower adoption rates.